depression life insurance

How do you know if someone really cares about what they do? If they don’t stop putting the information out there, never stop trying to reach just one more person, because for my clients it’s help that is on the way. I’ve been writing in this forum for years now and this is my 2000th […]

I’ve seen some pretty silly assumptions made by life insurance underwriters in the mood disorder arena, anxiety, ADD, depression, OCD and bipolar disorder. Not that long ago a client came to me after being declined because she took Lamictal for depression. Lamictal, while most often seen in the treatment of bipolar disorder, can be a […]

It’s one of those days when a bit of clarification might just go a long ways. I have a couple of clients I am currently working on personal life insurance policies who have mood disorders and came to me looking for the best possible rate in their situation. Everyone, including me would like the best […]

In the wake of Robin Williams’ death I believe he would appreciate some honest and open dialogue about mental illness and in particular his nemesis, bipolar disorder. For anyone that might think I’m just trying to milk a key word moment out of tragedy, you haven’t followed my forum. Over the years I’ve put more […]

People living with sleep apnea are at risk of dying and that seems to be what troubles the majority of life insurance companies and life insurance underwriters. The same could be said for people living with anxiety or mild depression. In this time we’re living in there is absolutely no doubt that they will end […]

I know you folks in the northeast are not thinking skin cancer right now. The never ending winter, ice jams, flooding. My prayers go out to you. Here in the southwest we are heading deeper into drought and looking at the potential of another hot, dry summer. For us, the happening news is that life […]

And when I answer the phone, and it’s me who answers it, I truly want to know just that. How can I help you? If you found me you probably have already experienced life insurance agents who couldn’t help you or wouldn’t help you. You may have suffered through the worst of what our industry […]

With all the great things happening on so many fronts I thought it prudent to bring things up to date on mood disorder life insurance and specifically the continued success we are having placing well controlled bipolar disorder. Even with major breakthroughs in life insurance underwriting for prostate cancer (especially watchful waiting) and HIV, there […]

I mentioned a few weeks ago that I had forwarded a post to three life insurance companies, Prudential, Banner Life and American General Life. The gist of the post was that it seemed to me and several of my colleagues that there had been a serious shift in mood disorder life insurance underwriting over the […]

The diverse underwriting reaction to situational depression life insurance and situational anxiety life insurance is huge, with the same case ranging from declines to preferred rates depending on the company. Those of us who were around in the 50’s remember the stigma that mood disorders carried back then and it is apparent that plenty of […]

We Really DO Come Through for our Clients.

“It’s been a real pleasure working with you on our life insurance needs. Like I said before, I spoke with many different insurance brokers in the past but never felt comfortable working with them. You’ve been very thorough and of course, patient, in answering all my questions. I will recommend you and your company to all my family and friends for any insurance needs they may have.”